Mobile banking

Calls with analysts to discuss the fourth-quarter results were dominated by questions about energy exposure, efficiency and the growing worry about when the next credit cycle may begin. Still, some banks managed to get in a few thoughts about how technology is reshaping their businesses.

Subtly altered versions of popular apps are appearing more often on smartphones. These rogue apps, often available for free, can steal mobile banking passwords or redirect text messages containing passcodes.

Millennials may have initially been the primary target for digital banking services, but we must bust the myth that they're the only ones craving innovation.

Union Bank & Trust Co. in Nebraska was an early supporter of Apple Pay. With that platform sputtering, the bank is now looking at additional ways to stay ahead of the mobile-wallet curve.

International money transfers have not enjoyed the improvements in transparency and cost that are benefiting other products. That must change to move the remittance market forward.

Consumers say they consider mobile banking unsafe even as they increasingly use it, assuming they can do nothing to protect themselves from the escalating threats. Banks can't afford to be so fatalistic.

As a recent college graduate, I could have been more engaged with my longer-term financial health had I had today's fintech tools at my disposal.

The physical branch network is not dead, but to ensure its viability banks need to get serious about trimming it down and combining branches with digital channels.

Loading mobile wallets at the ATM is one of several ways Andy Mattes, CEO of Diebold, envisions consumers using their smartphones alongside cash machines.

The latest in BBVA Compass' ventures with fintech companies will bring it a simpler way to offer investment advice to the millions of households that typically don't qualify for it.

Many emerging innovators want to incorporate digital advances into the incumbent financial services sphere, not necessarily leapfrog banks.

A fintech startup is hoping that a pop-up branch approach will inspire consumers to replace check-cashing services and checking accounts with a mobile app that connects to a prepaid account.

Implementing discrete changes to a core system to compete with disruptors is merely dressing up an arsenal that really should be replaced or overhauled.

As the purchase market heats up, banks are looking to utilize digital tools meant to make the daunting homebuying experience easier.

The huge growth of online banking, including mobile, has transformed the industry, bringing tremendous choice, flexibility and convenience to consumers and businesses. But online banking can also be a source of fraud. Watch this video and learn the real risks of web fraud to financial institutions and ways to prevent it.

Banks claim bandwidth and security concerns led to interruptions for personal finance apps, but institutions still resist a more secure and efficient portal.

Several organizations, such as Swift and The Clearing House, announced faster payments initiatives this year. Those initiatives will likely play critical roles in 2016 in helping the Fed plot ways to modernize the U.S. payments system.

Far from the madding crowd, the GE spinoff Synchrony runs an innovation lab in Stamford, Conn., that is buzzing with pragmatic projects and a culture that promotes collaboration and quick execution of new ideas.

A trip to London reveals how far ahead British and other European regulators are in streamlining the licensing process for payments providers and other fintech firms.

BankMobile attracted 100,000 users in its first year and with the acquisition of a couple of business lines from collegiate servicer Higher One it is projecting it will have 2 million by July.